Which of the following is NOT a responsibility of an agent?

The correct answer highlights that making policy changes without approval is not a responsibility of an agent. Agents have a fiduciary duty to their clients and insurers, which means they must operate within specific guidelines and authority granted to them. When it comes to policy changes, agents are typically required to seek approval from either the insurer or the client, depending on the nature of the change. This is essential for maintaining transparency, compliance, and ensuring that both parties are aligned on the terms of the insurance contract.

In the context of an agent's responsibilities, providing necessary information and documentation to the insurer, using reasonable judgement, and adhering to the contract are all foundational duties. Agents must provide complete and accurate information, as any omission may lead to issues with claims or coverage. They must also exercise reasonable judgement when advising clients or making decisions, ensuring they act in the best interests of both the client and the insurer. Lastly, following the contract is crucial, as it establishes the rights and obligations of both the insurer and the insured. This adherence ensures that all parties fulfill their commitments and reduces the likelihood of disputes.